THE ROLE OF INTERNET OF THINGS IN FINTECH ADOPTION WITHIN BANKING SECTOR:THE MODERATING ROLE OF DIGITAL TRANSFORMATION CAPABILITY. Lex localis - Journal of Local Self-Government, [S. l.], v. 23, n. S4, p. 2486–2510, 2025. DOI: 10.52152/k4pew155. Disponível em: https://lex-localis.org/index.php/LexLocalis/article/view/800927. Acesso em: 14 apr. 2026.